Monday, November 03, 2008

Fiscal Responsibility

You know what is most excellent? What is most excellent is getting the news that you have $31 left to pay in order to be done with a credit card debt that has been a millstone around your neck for the past few years. OMG, yay. I cut up the card a few years ago and have never replaced it, and have been making weekly payments to get rid of the bastard thing ever since. The thought of being free of it, clear, done and dusted, makes me want to sqeeeeeee! Such a good feeling.

The timing of paying this off couldn't be better either, because it looks like I'll be only partially employed over the Christmas/New Year period, as my employer is closing for three weeks. (At least I'm pushing hard to be able to come in and do some work during that period, it's entirely possible that I won't be able to.) The break would be nice, but as a temp no work = no pay.

Anyway, this is supposed to about joy! I nearly leapt down the phone line and smooched the call centre operator when I confirmed the outstanding balance. $31 never sounded like such a paltry sum!

Seriously, credit cards are evil. I could not be trusted with them. Cutting it up was hard at first, but now that I have been living a cash only existence for the past few years I could never go back. I recently got myself a debit Mastercard so that I could do some internet shopping if I wanted, but because the cash comes straight out of my account the temptation is not there. Probably the wisest decision I ever made. I wish I could time travel and freeze time like Hiro Nakamura on "Heroes", because I would snatch the credit card application out of my own hands all those years ago.

The plan is to be done with my other smaller debts in the next 6 months. I'm on a mission! Then there will be a (budget savvy) celebration the likes of which have not been seen for some time. I'm expecting joyous tears. Maybe even The Happy Dance.

I did a lot of thinking over the weekend and came to the decision that I'm going to get another flatmate in. I love living by myself, but the % of my pay that disappears in rent is kind of ridiculous. I actually feel pretty good about the decision. It's not just motivated by finances, I think I need to reintroduce the social aspect and discipline of living with someone else. It's so easy to let the dishes pile up, and the bookshelves go undusted if it's only me that has to live with it. Sydneysiders, if you know of anyone looking for a place to live keep me in mind, 'kay? All applicants must be housebroken.

9 comments:

Ur-spo said...

good luck with a flatmate
no bludgers

The Other Andrew said...

Yeah, thanks! Here's hoping.

Tom said...

Potty trained as well as housebroken would be a plus.

jason said...

I think you need to schedule at least a week's worth of happy dancing throughout the flat before looking for a flatmate.

M-H said...

Congratulations. That is a really great achievement, especially as you haven't had a flat mate! Are you really, really sure you need one....?

Victor said...

Well done with the debt cleansing.

Yet another Andrew said...

Well done with the cc. Now just sit back and wait for the inevitable letter in the mail... "We'd like to triple your credit limit. Just sign here!"

The Other Andrew said...

Frankly, they'd be mad. Remember I've been paying it off for 2 YEARS. I'm assuming my credit rating comes with flashing warning lights.

The Other Andrew said...

Sirens too probably.